A clearer picture.
A calmer month.
Card, cash, what you’ve paid and what’s coming up. Saldo calculates what’s left and carries your balance into the next month.
Less worry.
More living.
Your money in order. Your mind at ease. Saldo brings your spending, plans and wishes together in one simple, private app.
More possibilities.
01MAKE ROOM FOR YOUR PLANS
For the everyday.
And the days ahead.
From your first coffee to your biggest life plans. Know where you stand today and what you can afford tomorrow.
A clearer picture.
A better plan.
Less guesswork.
Set category budgets, keep track of recurring bills and see how much you can safely spend each day.
Big dreams.
Small, achievable steps.
Save for what matters to you. Track goals, organise your wishlist and see how a purchase fits your plan before you make it.
02MEET SALDO
Everything in
its right place.
Simple enough for day one.
Powerful enough for all your plans.
Real app screenshots. Fictional demo data.
Your spreadsheets are welcome.
Import Excel, CSV or a supported bank statement. Review changes before saving and export your data whenever you want.
Yours, down to the details.
Simple or advanced mode. Eight palettes, light and dark themes, and an overview you can arrange your way.
Desktop. Phone. Your rhythm.
Optionally connect your devices through a shared file on Google Drive. You choose when and where to share your data.
03PRIVATE FROM THE START
Your money.
Your business.
Personal finances should stay personal. That’s why Saldo runs locally on your device. No user account, ads or telemetry.
Your data stays with you.
A local database, with no Saldo server. You don’t need the internet for everyday use.
Your backups, your choice.
Save a backup locally or in a folder synced by your cloud provider. Connecting to the cloud is optional.
You control what’s visible.
Hide your amounts with one shortcut when your screen isn’t just yours.
Less sharing. More trust.
04YOUR NEXT CHAPTER STARTS HERE
A little more
peace of mind.
Make room for what matters. Saldo is coming to Windows and Android. Download files will be added here soon.
Coming soon
Saldo for Windows
Your finances on the big screen. Installs just for you, with no administrator rights needed.
Windows version coming soonWindows 10 / 11 · x64Portable version coming soon
Coming soon
Saldo for Android
For expenses on the go and plans over coffee. The same capabilities, designed for your palm.
Android version coming soonAndroid 8+ · APKDirect installation after release
Saldo is in active development. This page introduces the app; installation files have not been published yet.
05GOOD TO KNOW
A few
little details.
Is Saldo free?
Yes. Saldo is a free personal finance app, with no ads or subscription. It is made by Tomislav Savić.
Do I need an account or internet connection?
No. Saldo works locally without a user account. Internet is only needed if you choose cloud sync or cloud backups.
Can I bring my Excel data?
Yes. Import Excel (.xlsx), CSV and other supported formats, review data before saving, and export to Excel, CSV or JSON. Legacy .xls and PDF files are not supported.
How do I install the Android app?
The APK will be available here after release. You can then open it on a device running Android 8 or later. If Android asks, allow installation from that source. Save a backup before uninstalling: uninstalling removes the app’s local data.
Can I sync my computer and phone?
Optionally. Open Data → Sync in the app and select a shared Saldo-sync.json file on Google Drive. On Windows, use the Google Drive for desktop folder; on Android, use the file picker. If you edit the same item on both devices, the newer change wins.